SANTA CRUZ - WATSONVILLE Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Santa Cruz - Watsonville averaged 6.54% for the week of 2024-02-22, compared to the national average of 6.9% for the same period.

The average rate for the prior week (2024-02-15) was 6.41% and one month ago for the week of 2024-01-18, the average rate was 6.24%.

Santa Cruz - Watsonville's average rate one year ago was 6.09%.

For refis of the same type during the week of 2024-02-22, the average rate was 5.6%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-22 6.9%
Santa Cruz - Watsonville 30 Year Fixed Rate 2024-02-22 6.54%
Santa Cruz - Watsonville 30 Year Fixed Rate Refi 2024-02-22 5.6%
Santa Cruz - Watsonville 15 Year Fixed Rate 2024-02-22 6.49%
Santa Cruz - Watsonville 15 Year Fixed Rate Refi 2024-02-22 5.02%
Santa Cruz - Watsonville 30 Year FHA 2024-02-22 -0.1%
Santa Cruz - Watsonville 30 Year FHA Refi 2024-02-22 0.1%
Santa Cruz - Watsonville 30 Year USDA 2024-02-22 -0.2%
Santa Cruz - Watsonville 30 Year USDA Refi 2024-02-22 0%
Santa Cruz - Watsonville 30 Year VA 2024-02-22 -0.1%
Santa Cruz - Watsonville 30 Year VA Refi 2024-02-22 0.1%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SANTA CRUZ-WATSONVILLE, CA.

SANTA CRUZ - WATSONVILLE Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the SANTA CRUZ-WATSONVILLE, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
QUICKEN LOANS, LLC 231 4.23% $8,244
CROSSCOUNTRY MORTGAGE, LLC 209 4.79% $9,072
UNITED WHOLESALE MORTGAGE, LLC 156 4.48% $9,597
Wells Fargo Bank 155 3.96% $5,712
BAY 113 4.58% $4,669
MASON MCDUFFIE MORTGAGE CORPORATION 102 4.94% $13,504
Bank of America 78 3.58% $6,236
LOANDEPOT.COM, LLC 73 4.13% $7,452
JPMorgan Chase Bank 72 3.88% $7,069
U.S. Bank 69 4.04% $8,674
MUFG Union Bank 53 4.33% $5,778
HOME POINT FINANCIAL CORPORATION 52 3.83% $9,051
First Republic Bank 50 3.34% $4,061
ACADEMY MORTGAGE CORPORATION 48 4.82% $14,388
GUARANTEED RATE, INC. 45 4.43% $7,866
Flagstar Bank, FSB 41 4.22% $7,035
MOUNTAIN WEST FINANCIAL, INC. 38 4.61% $9,612
FINANCE OF AMERICA MORTGAGE LLC 38 4.32% $13,414
Morgan Stanley Private Bank 35 3.74% $4,244
ANGEL OAK HOME LOANS LLC 27 4.88% $8,163
GUARANTEED RATE AFFINITY, LLC 27 4.70% $8,054
STAR ONE CREDIT UNION 26 4.03% $3,615
THE GOLDEN 1 25 4.01% $6,282
PREMIER MORTGAGE RESOURCES, L.L.C. 24 5.12% $11,533
ENVOY MORTGAGE, LTD 24 4.22% $8,301
Charles Schwab Bank, SSB 21 3.30% $4,481
SUMMIT FUNDING, INC. 20 5.12% $11,363
PNC Bank 19 3.82% $7,114
EVERETT FINANCIAL, INC. 19 5.01% $2,713
Bank of the West 19 3.91% $8,195
Mr. Cooper ( Nationstar Mortgage ) 18 4.16% $14,587
Commerce Home Mortgage, Inc. 18 4.78% $8,174
AMERICAN PACIFIC MORTGAGE CORPORATION 17 4.73% $9,671
BETTER MORTGAGE CORPORATION 16 3.76% $8,292
NEWREZ LLC 15 3.71% $6,795
Paramount Residential Mortgage Group, Inc. 15 4.35% $6,534
BROKER SOLUTIONS, INC. 15 4.82% $15,181
BAY EQUITY LLC 14 4.58% $7,795
Citibank 14 3.86% $5,816
PENNYMAC LOAN SERVICES, LLC 13 3.49% $10,248
AMERISAVE MORTGAGE CORPORATION 13 3.81% $10,613
Fremont Bank 12 4.49% $2,473
STANFORD Federal Credit Union 12 4.16% $7,743
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 12 3.89% $12,378
CALIBER HOME LOANS, INC. 11 4.14% $8,926
GUILD MORTGAGE COMPANY 11 4.80% $9,215
Prosperity Home Mortgage, LLC 9 4.06% $8,036
PENTAGON FEDERAL CREDIT UNION 8 3.16% $4,385
CMG MORTGAGE, INC. 8 5.14% $8,938
Truist 8 4.69% $8,070
PLANET HOME LENDING, LLC 7 4.87% $5,517
PROVIDENT FUNDING ASSOCIATES, L.P. 7 3.84% $6,810
General Mortgage Capital Corporation 6 3.85% $5,921
FREEDOM MORTGAGE CORPORATION 6 3.90% $7,867
UBS Bank USA 6 4.04% $5,083
City National Bank 6 2.94% $4,374
Luther Burbank Savings 5 4.53% $9,625
PRIMELENDING, A PLAINSCAPITAL COMPANY 5 4.38% $9,040
Provident Credit Union 5 3.20% $6,557
RESIDENTIAL BANCORP 5 5.60% $11,108
Wyndham Capital Mortgage, Inc. 5 3.78% $3,775
Silicon Valley Bank 5 3.78% $5,144
Evolve Bank & Trust 5 4.15% $7,483
Watermark Capital, Inc. 5 3.77% $12,432
NexBank 4 5.00% $11,320
ARC HOME LLC 4 4.47% $7,744
ANGEL OAK MORTGAGE SOLUTIONS LLC 4 5.22% $13,178
LADERA LENDING, INC. 4 3.72% $4,867
MOVEMENT MORTGAGE, LLC 4 5.42% $6,572
Century Mortgage Company DBA Century Lending Company 4 5.28% $15,464
Amerifirst Financial, Inc. 4 5.88% $10,211
SANTA CLARA COUNTY 4 5.03% $3,496
Ally Bank 4 3.56% $9,456
First-Citizens Bank & Trust Company 4 4.30% $6,581
A&D Mortgage LLC 4 5.22% $16,455
Zions Bank 3 4.04% $4,026
5TH STREET CAPITAL, INC. 3 4.38% $24,199
AMERICAN FINANCING CORPORATION 3 3.67% $8,337
Arvest Bank 3 4.46% $12,288
Chicago Mortgage Solutions LLC 3 2.98% $2,827
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 3.88% $9,953
IMPAC MORTGAGE CORP. 3 4.21% $6,463
JMAC LENDING, INC. 3 4.75% $13,277
KeyBank 3 3.96% $4,895
Mechanics Bank 3 3.75% $4,642
NBKC BANK 3 4.75% $17,783
NEXERA HOLDING LLC 3 5.79% $29,988
OAKTREE FUNDING CORP. 3 3.58% $16,778
PATELCO 3 3.29% $6,743
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 3 4.54% $9,882
Sierra Pacific Mortgage Company, Inc. 3 4.50% $5,495
TECHNOLOGY 3 4.00% $6,310
S1L, Inc. 2 4.37% $12,463
North American Savings Bank, F.S.B. 2 3.38% $5,326
BMO Harris Bank 2 4.63% $10,646
Northpointe Bank 2 4.00% $12,942
SCHOOLSFIRST 2 4.25% $3,564
SEA WEST COAST GUARD FEDERAL CREDIT UNION 2 4.87% $30,504
ZILLOW HOME LOANS, LLC 2 4.88% $12,785
Monterey Credit Union 2 3.13% $2,059
East West Bank 2 4.06% $7,990
Ameris Bank 2 3.81% $26,250
LAND HOME FINANCIAL SERVICES, INC. 2 3.50% $4,753
Barrington Bank & Trust Company, N.A. 2 6.06% $13,750
Lend Smart Mortgage, LLC 2 5.81% $4,511
Citizens Bank 2 5.38% $12,285
Stifel Bank and Trust 2 3.13% $2,610
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 2 4.50% $4,573
Axos Bank 2 5.88% $6,884
Citadel Servicing Corporation 2 8.88% $12,852
CORNERSTONE HOME LENDING, INC. 2 4.06% $4,932
PHH Mortgage Corporation 2 3.38% $5,563
CHERRY CREEK MORTGAGE, LLC 2 3.88% $902
The Federal Savings Bank 2 5.56% $9,198
AUGUSTA FINANCIAL, INC. 2 4.25% $9,306
Third Federal Savings and Loan Association of Cleveland 2 2.82% $2,093
HOME APPROVALS DIRECT, INC. 2 3.50% $17,658
NATIONS DIRECT MORTGAGE, LLC 2 3.75% $7,010
NAVY FEDERAL CREDIT UNION 2 3.50% $14,055
KINECTA 2 3.38% $9,878
CARDINAL FINANCIAL 2 3.63% $10,635
NETWORK CAPITAL FUNDING CORPORATION 2 4.38% $9,245
FUNDLOANS CAPITAL 2 3.69% $22,261
HOMEXPRESS MORTGAGE CORP. 2 6.06% $26,203
Educational Employees Credit Union 2 4.31% $2,972
HSBC BANK USA, NATIONAL ASSOCIATION 2 4.61% $5,418
CALCON MUTUAL MORTGAGE LLC 2 4.88% $22,377
Quontic Bank 2 6.44% $19,552
MEMBER FIRST MORTGAGE, LLC 2 3.94% $10,872
LAKEVIEW LOAN SERVICING, LLC 2 4.69% $6,021
Carrington Mortgage Services, LLC 1 4.88% $27,230
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.13% $14,451
CANOPY MORTGAGE, LLC 1 2.99% $5,500
CALTECH EMPLOYEES FEDERAL CREDIT UNION 1 3.13% $5,897
CALIFORNIA CREDIT UNION 1 3.88% $0
Provident Savings Bank, F.S.B. 1 4.50% $12,432
ADVANCIAL 1 5.75% $7,119
BNC National Bank 1 2.88% $2,198
San Mateo Credit Union 1 3.75% $6,645
SCENIC OAKS FUNDING, INC. 1 6.75% $14,415
Bethpage Federal Credit Union 1 5.50% $5,079
SOFI LENDING CORP. 1 3.50% $3,473
SOVEREIGN LENDING GROUP INCORPORATED 1 2.88% $3,199
Baxter Credit Union 1 4.63% $4,951
STEARNS LENDING, LLC 1 3.63% $18,128
Sterling Bank and Trust, FSB 1 3.63% $3,718
Strong Home Mortgage, LLC 1 3.38% $9,083
Summit Mortgage Corporation 1 3.63% $7,095
T2 FINANCIAL LLC 1 5.13% $13,902
21ST MORTGAGE CORPORATION 1 8.75% $10,376
The Central Trust Bank 1 3.12% $2,275
TRAVIS CREDIT UNION 1 3.50% $3,427
TRISTAR FINANCE, INC. 1 5.50% $12,346
Florida Capital Bank 1 3.13% $4,584
Franklin Loan Corporation 1 3.13% $23,535
FIRST TECHNOLOGY 1 2.88% $5,107
First Savings Bank 1 3.63% $5,910
First Mortgage Solutions, LLC 1 3.88% $6,592
Golden Empire Mortgage, Inc. 1 3.13% $925
Goldman Sachs Bank USA 1 4.10% $4,232
Goldwater Bank, N.A. 1 7.25% $13,385
GOOGAIN, INC. 1 3.38% $3,152
GREENSTATE CREDIT UNION 1 6.63% $3,905
First Guaranty Mortgage Corporation 1 3.38% $4,768
First Home Bank 1 3.50% $16,495
GUARANTY HOME MORTGAGE CORPORATION 1 5.88% $5,612
FirstBank 1 3.75% $1,391
Firefighters First Federal Credit Union 1 3.13% $0
AmeriHome Mortgage Company, LLC 1 4.88% $10,033
INLAND BANK & TRUST 1 5.38% $9,642
AMERICAN INTERNET MORTGAGE, INC. 1 3.00% $11,337
JMJ FINANCIAL GROUP 1 4.75% $4,753
FINANCE OF AMERICA REVERSE LLC 1 6.64% $3,091
USAA Federal Savings Bank 1 5.75% $31,667
Fifth Third Bank 1 5.88% $5,269
Lakeview Community Capital, LLC 1 4.99% $9,070
LANDED HOME LOANS LLC 1 3.75% $12,512
LOANFLIGHT LENDING, LLC 1 3.50% $10,115
LOGIX FEDERAL CREDIT UNION 1 3.63% $27,964
EMBRACE HOME LOANS, INC. 1 3.25% $4,110
Amalgamated Bank 1 6.63% $5,901
MERIWEST MORTGAGE COMPANY, LLC 1 4.38% $5,630
MORTGAGE CAPITAL PARTNERS, INC. 1 3.25% $5,330
Mortgage Research Center, LLC 1 5.99% $15,249
EAGLE HOME MORTGAGE, LLC 1 4.50% $19,282
DIGNIFIED HOME LOANS, LLC 1 3.63% $6,984
Cornerstone First Mortgage, Inc 1 3.38% $4,570
VISION ONE MORTGAGE, INC. 1 5.63% $14,728
Comerica Bank 1 3.25% $2,434
NEW WAVE LENDING GROUP INC 1 3.75% $4,787
Colonial Savings, F.A. 1 4.00% $0
ALLIED MORTGAGE GROUP, INC. 1 4.00% $2,155
NMSI, INC. 1 4.00% $4,326
ALLIANT CREDIT UNION 1 4.13% $4,688
ON Q FINANCIAL, INC. 1 3.75% $7,349
ONY GLO, INC. 1 2.75% $2,294
Operating Engineers Local Union #3 1 3.50% $3,477
Pacific Lending LLC 1 3.88% $9,347
WESCOM CENTRAL CREDIT UNION 1 5.88% $2,811
CHEVRON 1 4.00% $10,352
CENTRAL COAST LENDING, INC. 1 4.38% $6,891
PREMIER LENDING, INC. 1 3.25% $8,552

SANTA CRUZ - WATSONVILLE Average Closing Costs & Other Stats

SANTA CRUZ-WATSONVILLE, CA's 202 lenders originated 4,702 loans during 2022. The total origination value was $2,845,770,000, with an average loan value of $605,225.

SANTA CRUZ - WATSONVILLE's average closing costs are $6,003.

The top SANTA CRUZ - WATSONVILLE lender as defined by loan originations is QUICKEN LOANS, LLC, with 231 loans originated. Their average total fees are $8,244, which is $828 lower than the next largest lender, CROSSCOUNTRY MORTGAGE, LLC.

The lowest fee SANTA CRUZ - WATSONVILLE lenders (with over 10 loans originated) are Fremont Bank ($2,473), EVERETT FINANCIAL, INC. ($2,713), STAR ONE CREDIT UNION ($3,615), First Republic Bank ($4,061) and Morgan Stanley Private Bank ($4,244).

The lowest rate SANTA CRUZ - WATSONVILLE lenders (with over 10 loans originated) are Charles Schwab Bank, SSB (3.30%), First Republic Bank (3.34%), PENNYMAC LOAN SERVICES, LLC (3.49%), Bank of America (3.58%) and NEWREZ LLC (3.71%).

SANTA CRUZ-WATSONVILLE, CA Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
Wells Fargo Bank $405,450,000 $232,565,000 -42.6% 8.2%
CROSSCOUNTRY MORTGAGE, LLC $82,400,000 $191,405,000 132.3% 6.7%
QUICKEN LOANS, LLC $772,285,000 $159,900,000 -79.3% 5.6%
UNITED WHOLESALE MORTGAGE, LLC $517,590,000 $127,455,000 -75.4% 4.5%
BAY $174,220,000 $124,700,000 -28.4% 4.4%
Bank of America $179,270,000 $112,445,000 -37.3% 4.0%
U.S. Bank $149,715,000 $104,335,000 -30.3% 3.7%
First Republic Bank $113,010,000 $92,195,000 -18.4% 3.2%
JPMorgan Chase Bank $247,885,000 $92,100,000 -62.8% 3.2%
MUFG Union Bank $72,575,000 $75,090,000 3.5% 2.6%
MASON MCDUFFIE MORTGAGE CORPORATION $210,680,000 $67,560,000 -67.9% 2.4%
LOANDEPOT.COM, LLC $233,485,000 $59,965,000 -74.3% 2.1%
FINANCE OF AMERICA REVERSE LLC $47,770,000 $44,625,000 -6.6% 1.6%
Bank of the West $43,260,000 $43,570,000 0.7% 1.5%
Flagstar Bank, FSB $511,920,000 $43,555,000 -91.5% 1.5%
ACADEMY MORTGAGE CORPORATION $86,035,000 $40,235,000 -53.2% 1.4%
Morgan Stanley Private Bank $51,285,000 $40,045,000 -21.9% 1.4%
HOME POINT FINANCIAL CORPORATION $220,230,000 $38,165,000 -82.7% 1.3%
Commerce Home Mortgage, Inc. $59,195,000 $36,820,000 -37.8% 1.3%
GUARANTEED RATE, INC. $179,295,000 $34,550,000 -80.7% 1.2%
PNC Bank $41,910,000 $32,480,000 -22.5% 1.1%
FINANCE OF AMERICA MORTGAGE LLC $101,655,000 $31,615,000 -68.9% 1.1%
STAR ONE CREDIT UNION $33,085,000 $31,570,000 -4.6% 1.1%
THE GOLDEN 1 $31,100,000 $30,355,000 -2.4% 1.1%
MOUNTAIN WEST FINANCIAL, INC. $115,250,000 $29,115,000 -74.7% 1.0%
Comerica Bank $24,335,000 $28,885,000 18.7% 1.0%
Fremont Bank $74,500,000 $23,620,000 -68.3% 0.8%
ANGEL OAK HOME LOANS LLC $3,615,000 $22,700,000 527.9% 0.8%
Charles Schwab Bank, SSB $50,175,000 $21,285,000 -57.6% 0.7%
GUARANTEED RATE AFFINITY, LLC $61,105,000 $20,455,000 -66.5% 0.7%
PREMIER MORTGAGE RESOURCES, L.L.C. $69,730,000 $19,695,000 -71.8% 0.7%
Citibank $13,245,000 $19,415,000 46.6% 0.7%
ENVOY MORTGAGE, LTD $27,865,000 $19,315,000 -30.7% 0.7%
STANFORD Federal Credit Union $11,625,000 $17,770,000 52.9% 0.6%
PENNYMAC LOAN SERVICES, LLC $76,660,000 $16,835,000 -78.0% 0.6%
AMERICAN PACIFIC MORTGAGE CORPORATION $77,925,000 $16,360,000 -79.0% 0.6%
Umpqua Bank $12,730,000 $16,140,000 26.8% 0.6%
SUMMIT FUNDING, INC. $42,065,000 $14,555,000 -65.4% 0.5%
BROKER SOLUTIONS, INC. $31,255,000 $13,125,000 -58.0% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $57,985,000 $12,830,000 -77.9% 0.5%
AMERICAN ADVISORS GROUP $10,715,000 $12,515,000 16.8% 0.4%
AMERISAVE MORTGAGE CORPORATION $43,735,000 $12,510,000 -71.4% 0.4%
MUTUAL OF OMAHA MORTGAGE, INC. $23,020,000 $12,470,000 -45.8% 0.4%
BETTER MORTGAGE CORPORATION $96,770,000 $12,250,000 -87.3% 0.4%
REVERSE MORTGAGE FUNDING LLC $9,220,000 $11,795,000 27.9% 0.4%
CALIBER HOME LOANS, INC. $39,730,000 $11,565,000 -70.9% 0.4%
PENTAGON FEDERAL CREDIT UNION $8,420,000 $11,530,000 36.9% 0.4%
GREYSTONE FUNDING COMPANY LLC $11,205,000 n/a 0.4%
CMG MORTGAGE, INC. $8,815,000 $11,000,000 24.8% 0.4%
Luther Burbank Savings $18,585,000 $10,915,000 -41.3% 0.4%
EVERETT FINANCIAL, INC. $7,350,000 $10,835,000 47.4% 0.4%
Paramount Residential Mortgage Group, Inc. $46,380,000 $10,750,000 -76.8% 0.4%
NEWREZ LLC $35,170,000 $10,580,000 -69.9% 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $11,570,000 $9,965,000 -13.9% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $30,490,000 $9,875,000 -67.6% 0.3%
UBS Bank USA $27,400,000 $9,570,000 -65.1% 0.3%
BAY EQUITY LLC $52,175,000 $9,325,000 -82.1% 0.3%
GUILD MORTGAGE COMPANY $24,900,000 $9,090,000 -63.5% 0.3%
City National Bank $7,070,000 $9,020,000 27.6% 0.3%
Truist $5,675,000 $7,775,000 37.0% 0.3%
Mechanics Bank $5,040,000 $7,450,000 47.8% 0.3%
SPRING EQ, LLC $2,495,000 $7,140,000 186.2% 0.3%
Provident Credit Union $16,035,000 $7,045,000 -56.1% 0.2%
PATELCO $20,255,000 $6,640,000 -67.2% 0.2%
East West Bank $6,325,000 n/a 0.2%
Prosperity Home Mortgage, LLC $13,590,000 $6,235,000 -54.1% 0.2%
TECHNOLOGY $11,670,000 $6,230,000 -46.6% 0.2%
PHH Mortgage Corporation $6,965,000 $6,185,000 -11.2% 0.2%
Third Federal Savings and Loan Association of Cleveland $8,090,000 $6,105,000 -24.5% 0.2%
Evolve Bank & Trust $19,390,000 $5,845,000 -69.9% 0.2%
HighTechLending Inc $16,550,000 $5,770,000 -65.1% 0.2%
General Mortgage Capital Corporation $18,930,000 $5,585,000 -70.5% 0.2%
ANGEL OAK MORTGAGE SOLUTIONS LLC $925,000 $5,365,000 480.0% 0.2%
ALLIANT CREDIT UNION $5,660,000 $5,300,000 -6.4% 0.2%
MOVEMENT MORTGAGE, LLC $3,350,000 $5,300,000 58.2% 0.2%
HOMEXPRESS MORTGAGE CORP. $6,965,000 $5,095,000 -26.8% 0.2%
5TH STREET CAPITAL, INC. $7,980,000 $5,000,000 -37.3% 0.2%
Wyndham Capital Mortgage, Inc. $9,800,000 $4,925,000 -49.7% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $28,245,000 $4,880,000 -82.7% 0.2%
SAN FRANCISCO FIRE CREDIT UNION $1,745,000 $4,540,000 160.2% 0.2%
InterBank $4,405,000 n/a 0.2%
SANTA CLARA COUNTY $3,990,000 $4,325,000 8.4% 0.2%
JMAC LENDING, INC. $12,125,000 $4,290,000 -64.6% 0.2%
Northpointe Bank $2,275,000 $4,265,000 87.5% 0.1%
Citadel Servicing Corporation $7,005,000 $4,260,000 -39.2% 0.1%
Watermark Capital, Inc. $12,210,000 $4,260,000 -65.1% 0.1%
FREEDOM MORTGAGE CORPORATION $46,170,000 $4,040,000 -91.2% 0.1%
MERIWEST $4,415,000 $4,005,000 -9.3% 0.1%
NEXERA HOLDING LLC $8,795,000 $3,995,000 -54.6% 0.1%
Bethpage Federal Credit Union $155,000 $3,975,000 2,464.5% 0.1%
Silicon Valley Bank $12,555,000 $3,975,000 -68.3% 0.1%
A&D Mortgage LLC $11,085,000 $3,905,000 -64.8% 0.1%
LONGBRIDGE FINANCIAL, LLC $2,825,000 $3,880,000 37.3% 0.1%
NexBank $3,170,000 $3,770,000 18.9% 0.1%
PLANET HOME LENDING, LLC $16,570,000 $3,655,000 -77.9% 0.1%
AMWEST FUNDING CORP. $12,010,000 $3,635,000 -69.7% 0.1%
Quontic Bank $125,000 $3,620,000 2,796.0% 0.1%
Century Mortgage Company DBA Century Lending Company $455,000 $3,540,000 678.0% 0.1%
PremierOne Credit Union $3,015,000 $3,525,000 16.9% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $13,045,000 $3,505,000 -73.1% 0.1%
NAVY FEDERAL CREDIT UNION $6,025,000 $3,450,000 -42.7% 0.1%
RESIDENTIAL BANCORP. $1,415,000 $3,365,000 137.8% 0.1%
Amerifirst Financial, Inc. $4,095,000 $3,345,000 -18.3% 0.1%
Zions Bancorporation, N.A. $2,855,000 $3,300,000 15.6% 0.1%
ARC HOME LLC $7,835,000 $3,260,000 -58.4% 0.1%
KeyBank $7,940,000 $3,220,000 -59.4% 0.1%
Ally Bank $38,855,000 $3,180,000 -91.8% 0.1%
First-Citizens Bank & Trust Company $3,070,000 n/a 0.1%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $6,805,000 $3,015,000 -55.7% 0.1%
NATIONS DIRECT MORTGAGE, LLC $4,090,000 $2,980,000 -27.1% 0.1%
BMO Harris Bank $1,335,000 $2,865,000 114.6% 0.1%
FIRST TECHNOLOGY $5,430,000 $2,830,000 -47.9% 0.1%
SEA WEST COAST GUARD FEDERAL CREDIT UNION $16,675,000 $2,750,000 -83.5% 0.1%
LAKEVIEW LOAN SERVICING, LLC $10,165,000 $2,700,000 -73.4% 0.1%
Chicago Mortgage Solutions LLC $2,660,000 n/a 0.1%
Axos Bank $4,770,000 $2,615,000 -45.2% 0.1%
OAKTREE FUNDING CORP. $2,470,000 n/a 0.1%
Toyota Financial Savings Bank $885,000 $2,455,000 177.4% 0.1%
QUORUM FEDERAL CREDIT UNION $1,975,000 $2,420,000 22.5% 0.1%
IMPAC MORTGAGE CORP. $9,700,000 $2,405,000 -75.2% 0.1%
HSBC BANK USA, NATIONAL ASSOCIATION $4,460,000 $2,400,000 -46.2% 0.1%
ATHAS CAPITAL GROUP, INC. $1,520,000 $2,395,000 57.6% 0.1%
SCHOOLSFIRST $2,460,000 $2,385,000 -3.0% 0.1%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $1,420,000 $2,380,000 67.6% 0.1%
KINECTA $2,720,000 $2,360,000 -13.2% 0.1%
NATIONWIDE EQUITIES CORPORATION $1,530,000 $2,325,000 52.0% 0.1%
ADVANCIAL $1,725,000 $2,200,000 27.5% 0.1%
Mortgage Research Center, LLC $9,590,000 $2,140,000 -77.7% 0.1%
NBKC BANK $11,410,000 $2,135,000 -81.3% 0.1%
Community West Bank $1,270,000 $2,110,000 66.1% 0.1%
FUNDLOANS CAPITAL $1,125,000 $2,075,000 84.4% 0.1%
LOGIX FEDERAL CREDIT UNION $985,000 $2,065,000 109.6% 0.1%
21ST MORTGAGE CORPORATION $1,770,000 $2,045,000 15.5% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $29,025,000 $2,035,000 -93.0% 0.1%
MACKILLIE INCORPORATED $1,845,000 $1,810,000 -1.9% 0.1%
CHERRY CREEK MORTGAGE, LLC $10,510,000 $1,800,000 -82.9% 0.1%
LADERA LENDING, INC. $10,410,000 $1,800,000 -82.7% 0.1%
Golden Empire Mortgage, Inc. $4,905,000 $1,780,000 -63.7% 0.1%
GEORGIA'S OWN $2,050,000 $1,765,000 -13.9% 0.1%
HomeTrust Bank $2,460,000 $1,750,000 -28.9% 0.1%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $505,000 $1,735,000 243.6% 0.1%
Barrington Bank & Trust Company, N.A. $3,310,000 $1,700,000 -48.6% 0.1%
Bank of Stockton $1,695,000 n/a 0.1%
AMERICAN INTERNET MORTGAGE, INC. $9,670,000 $1,690,000 -82.5% 0.1%
Ameris Bank $2,595,000 $1,670,000 -35.6% 0.1%
DIGNIFIED HOME LOANS, LLC $7,330,000 $1,665,000 -77.3% 0.1%
Figure Lending LLC $1,570,000 $1,660,000 5.7% 0.1%
Arbor Realty Trust, Inc. $1,645,000 n/a 0.1%
Firefighters First Federal Credit Union $3,385,000 $1,630,000 -51.8% 0.1%
Sierra Pacific Mortgage Company, Inc. $13,380,000 $1,630,000 -87.8% 0.1%
CALCON MUTUAL MORTGAGE LLC $1,890,000 $1,620,000 -14.3% 0.1%
Citizens Bank $2,005,000 $1,600,000 -20.2% 0.1%
Provident Savings Bank, F.S.B. $925,000 $1,585,000 71.4% 0.1%
Franklin Loan Corporation $2,315,000 $1,555,000 -32.8% 0.1%
LAND HOME FINANCIAL SERVICES, INC. $4,955,000 $1,550,000 -68.7% 0.1%
Baxter Credit Union $920,000 $1,505,000 63.6% 0.1%
WALL STREET MORTGAGE BANKERS, LTD. $1,505,000 n/a 0.1%
OCMBC, INC. $4,730,000 $1,480,000 -68.7% 0.1%
PACIFIC SERVICE $3,090,000 $1,480,000 -52.1% 0.1%
ZILLOW HOME LOANS, LLC $4,395,000 $1,470,000 -66.6% 0.1%
S1L, Inc. $18,175,000 $1,440,000 -92.1% 0.1%
Fifth Third Bank $535,000 $1,405,000 162.6% 0.0%
Educational Employees Credit Union $55,000 $1,380,000 2,409.1% 0.0%
First Savings Bank $3,955,000 $1,350,000 -65.9% 0.0%
NEW WAVE LENDING GROUP INC $1,110,000 $1,350,000 21.6% 0.0%
CALIFORNIA CREDIT UNION $1,345,000 n/a 0.0%
FirstBank $5,795,000 $1,340,000 -76.9% 0.0%
Goldwater Bank, N.A. $455,000 $1,315,000 189.0% 0.0%
UNIVERSITY CREDIT UNION $305,000 $1,315,000 331.1% 0.0%
ADVANTIS $1,290,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $3,060,000 $1,230,000 -59.8% 0.0%
CALTECH EMPLOYEES FEDERAL CREDIT UNION $1,215,000 n/a 0.0%
Stifel Bank and Trust $2,330,000 $1,210,000 -48.1% 0.0%
MEMBER FIRST MORTGAGE, LLC $1,200,000 n/a 0.0%
The Federal Savings Bank $6,340,000 $1,165,000 -81.6% 0.0%
Arvest Bank $4,065,000 $1,155,000 -71.6% 0.0%
AMERICAN FINANCING CORPORATION $2,505,000 $1,145,000 -54.3% 0.0%
R M K FINANCIAL CORP. $1,145,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $825,000 $1,140,000 38.2% 0.0%
JTF ROSE, INC. $1,140,000 n/a 0.0%
North American Savings Bank, F.S.B. $5,400,000 $1,140,000 -78.9% 0.0%
TRIAD FINANCIAL SERVICES, INC. $360,000 $1,120,000 211.1% 0.0%
AmeriHome Mortgage Company, LLC $2,210,000 $1,105,000 -50.0% 0.0%
Strong Home Mortgage, LLC $14,000,000 $1,100,000 -92.1% 0.0%
EAGLE HOME MORTGAGE, LLC $1,085,000 n/a 0.0%
NETWORK CAPITAL FUNDING CORPORATION $12,830,000 $1,065,000 -91.7% 0.0%
Discover Bank $1,990,000 $1,035,000 -48.0% 0.0%
AUGUSTA FINANCIAL, INC. $1,530,000 $1,030,000 -32.7% 0.0%
ON Q FINANCIAL, INC. $29,275,000 $1,000,000 -96.6% 0.0%
Goldman Sachs Bank USA $985,000 n/a 0.0%
ALL REVERSE MORTGAGE, INC. $1,760,000 $980,000 -44.3% 0.0%
CORNERSTONE HOME LENDING, INC. $1,010,000 $980,000 -3.0% 0.0%
SILVER HILL FUNDING, LLC $935,000 n/a 0.0%
THE POLICE Credit Union $205,000 $935,000 356.1% 0.0%
Florida Capital Bank $2,815,000 $915,000 -67.5% 0.0%
PREMIER LENDING, INC. $9,905,000 $915,000 -90.8% 0.0%
GUARANTY HOME MORTGAGE CORPORATION $910,000 n/a 0.0%
ISERVE RESIDENTIAL LENDING, LLC $905,000 n/a 0.0%
TRISTAR FINANCE, INC. $885,000 n/a 0.0%
USAA Federal Savings Bank $2,325,000 $880,000 -62.2% 0.0%
MORTGAGE CAPITAL PARTNERS, INC. $875,000 n/a 0.0%
HOME APPROVALS DIRECT, INC. $3,325,000 $870,000 -73.8% 0.0%
OPEN MORTGAGE, LLC $1,805,000 $870,000 -51.8% 0.0%
T2 FINANCIAL LLC $865,000 n/a 0.0%
San Mateo Credit Union $3,890,000 $850,000 -78.1% 0.0%
Monterey Credit Union $1,110,000 $830,000 -25.2% 0.0%
CENTRAL COAST LENDING, INC. $3,270,000 $825,000 -74.8% 0.0%
STEARNS LENDING, LLC $59,980,000 $820,000 -98.6% 0.0%
CHEVRON $610,000 $815,000 33.6% 0.0%
JMJ FINANCIAL GROUP $805,000 n/a 0.0%
UNCLE Credit Union $805,000 $785,000 -2.5% 0.0%
SOFI LENDING CORP. $6,915,000 $765,000 -88.9% 0.0%
Carrington Mortgage Services, LLC $3,330,000 $755,000 -77.3% 0.0%
HomeStreet Bank $2,175,000 $730,000 -66.4% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $2,655,000 $725,000 -72.7% 0.0%
Lend Smart Mortgage, LLC $720,000 n/a 0.0%
ALLIED MORTGAGE GROUP, INC. $640,000 $715,000 11.7% 0.0%
Summit Mortgage Corporation $715,000 n/a 0.0%
DELTA COMMUNITY CREDIT UNION $685,000 n/a 0.0%
NMSI, INC. $2,645,000 $645,000 -75.6% 0.0%
The Central Trust Bank $1,160,000 $645,000 -44.4% 0.0%
UNITED MORTGAGE CORP. $615,000 n/a 0.0%
Colonial Savings, F.A. $255,000 $605,000 137.3% 0.0%
PLAZA HOME MORTGAGE, INC. $4,540,000 $605,000 -86.7% 0.0%
San Joaquin Power Employees Credit Union $605,000 n/a 0.0%
First Bank $750,000 $600,000 -20.0% 0.0%
First Guaranty Mortgage Corporation $2,960,000 $600,000 -79.7% 0.0%
Cornerstone First Mortgage, Inc $355,000 $585,000 64.8% 0.0%
LOANFLIGHT LENDING, LLC $1,350,000 $585,000 -56.7% 0.0%
SCENIC OAKS FUNDING, INC. $1,090,000 $585,000 -46.3% 0.0%
TRAVIS CREDIT UNION $1,440,000 $585,000 -59.4% 0.0%
INTELLILOAN, INC. $2,810,000 $570,000 -79.7% 0.0%
Equity Prime Mortgage LLC $1,765,000 $555,000 -68.6% 0.0%
First Internet Bank of Indiana $825,000 $555,000 -32.7% 0.0%
WESCOM CENTRAL CREDIT UNION $330,000 $550,000 66.7% 0.0%
Amalgamated Bank $545,000 n/a 0.0%
BNC National Bank $1,335,000 $535,000 -59.9% 0.0%
CIS Financial Services, Inc. $520,000 n/a 0.0%
Bank of Colorado $505,000 n/a 0.0%
PARTNERS $505,000 n/a 0.0%
FJM PRIVATE MORTGAGE FUND, LLC $495,000 n/a 0.0%
Lakeview Community Capital, LLC $3,950,000 $490,000 -87.6% 0.0%
Pacific Lending LLC $485,000 n/a 0.0%
V.I.P. MORTGAGE, INC. $850,000 $485,000 -42.9% 0.0%
LANDED HOME LOANS LLC $7,005,000 $475,000 -93.2% 0.0%
MERIWEST MORTGAGE COMPANY, LLC $8,745,000 $465,000 -94.7% 0.0%
American Airlines Federal Credit Union $975,000 $460,000 -52.8% 0.0%
First Home Bank $215,000 $455,000 111.6% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $2,865,000 $455,000 -84.1% 0.0%
Sterling Bank and Trust, FSB $325,000 $445,000 36.9% 0.0%
DATA MORTGAGE, INC. $9,605,000 $435,000 -95.5% 0.0%
INLAND BANK & TRUST $425,000 n/a 0.0%
BM Real Estate Services, Inc. $5,435,000 $405,000 -92.5% 0.0%
Operating Engineers Local Union #3 $840,000 $395,000 -53.0% 0.0%
TOTAL MORTGAGE SERVICES, LLC $735,000 $395,000 -46.3% 0.0%
First Mortgage Solutions, LLC $700,000 $365,000 -47.9% 0.0%
ONY GLO, INC. $6,075,000 $355,000 -94.2% 0.0%
CANOPY MORTGAGE, LLC $3,955,000 $345,000 -91.3% 0.0%
REDWOOD $2,210,000 $335,000 -84.8% 0.0%
VISION ONE MORTGAGE, INC. $475,000 $335,000 -29.5% 0.0%
GOOGAIN, INC. $13,160,000 $325,000 -97.5% 0.0%
Boeing Employees Credit Union $820,000 $285,000 -65.2% 0.0%
LENDINGHOME FUNDING CORPORATION $615,000 $275,000 -55.3% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $2,025,000 $265,000 -86.9% 0.0%
1ST UNITED SERVICES CREDIT UNION $255,000 n/a 0.0%
EQUITY WAVE LENDING, INC. $250,000 n/a 0.0%
BELEM SERVICING LLC $720,000 $235,000 -67.4% 0.0%
CANVAS CREDIT UNION $205,000 n/a 0.0%
GTE Federal Credit Union $195,000 n/a 0.0%
FIRST ENTERTAINMENT $125,000 $190,000 52.0% 0.0%
ALTRA $175,000 n/a 0.0%
GREENSTATE CREDIT UNION $155,000 n/a 0.0%
SAN FRANCISCO FEDERAL CREDIT UNION $135,000 n/a 0.0%
GREAT LAKES $380,000 $125,000 -67.1% 0.0%
AMERICAN FIRST $1,805,000 $105,000 -94.2% 0.0%
CITIZENS EQUITY FIRST $200,000 $105,000 -47.5% 0.0%
DIGITAL Federal Credit Union $95,000 n/a 0.0%
SAN DIEGO COUNTY CREDIT UNION $1,005,000 $55,000 -94.5% 0.0%

SANTA CRUZ - WATSONVILLE's top lender by overall market share is Wells Fargo Bank, with 8.2% market share. In second place, with 6.7%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $191,405,000 in loans. In third place, with 5.6%, is QUICKEN LOANS, LLC, having originated $159,900,000 in loans. In fourth place, with 4.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $127,455,000 in loans. In fifth place, with 4.4%, is BAY, having originated $124,700,000 in loans.


SANTA CRUZ - WATSONVILLE Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - SANTA CRUZ - WATSONVILLE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $899,472 (5.9%) $1,396,805 (9.7%) 3.33 220
2018-02-01 $899,250 (5.9%) $1,382,567 (7.2%) 3.26 246
2018-03-01 $976,500 (10.1%) $1,367,781 (3.6%) 3.43 286
2018-04-01 $952,250 (5.8%) $1,503,671 (12.5%) 3.23 338
2018-05-01 $939,250 (4.5%) $1,461,461 (11.9%) 3.14 380
2018-06-01 $975,000 (6.1%) $1,455,719 (12.1%) 3.25 422
2018-07-01 $963,500 (4.2%) $1,405,771 (8.7%) 3.22 475
2018-08-01 $930,253 (3.4%) $1,341,335 (6.7%) 3.12 526
2018-09-01 $925,000 (2.8%) $1,320,901 (5.7%) 3.11 561
2018-10-01 $897,000 (-0.2%) $1,311,670 (6.3%) 3.04 562
2018-11-01 $899,500 (0.1%) $1,340,812 (2.7%) 3.05 537
2018-12-01 $895,000 (-0.4%) $1,351,462 (3.2%) 3.09 429
2019-01-01 $898,000 (-0.2%) $1,396,503 (0.0%) 3.10 322
2019-02-01 $899,000 (0.0%) $1,374,867 (-0.6%) 3.04 304
2019-03-01 $940,143 (-3.7%) $1,398,041 (2.2%) 3.07 351
2019-04-01 $986,843 (3.6%) $1,380,030 (-8.2%) 3.13 411
2019-05-01 $999,125 (6.4%) $1,370,090 (-6.3%) 3.12 471
2019-06-01 $996,500 (2.2%) $1,400,705 (-3.8%) 3.11 516
2019-07-01 $957,500 (-0.6%) $1,358,753 (-3.3%) 3.00 584
2019-08-01 $961,000 (3.3%) $1,355,578 (1.1%) 3.04 581
2019-09-01 $954,250 (3.2%) $1,349,242 (2.2%) 3.05 568
2019-10-01 $949,000 (5.8%) $1,345,017 (2.5%) 3.06 553
2019-11-01 $949,250 (5.5%) $1,363,268 (1.7%) 3.11 465
2019-12-01 $899,500 (0.5%) $1,391,949 (3.0%) 3.00 306
2020-01-01 $899,500 (0.2%) $1,385,242 (-0.8%) 3.01 239
2020-02-01 $927,000 (3.1%) $1,413,287 (2.8%) 3.03 263
2020-03-01 $949,000 (0.9%) $1,380,956 (-1.2%) 2.97 326
2020-04-01 $951,238 (-3.6%) $1,357,481 (-1.6%) 2.98 357
2020-05-01 $962,250 (-3.7%) $1,399,344 (2.1%) 2.92 389
2020-06-01 $1,024,498 (2.8%) $1,533,583 (9.5%) 3.02 378
2020-07-01 $1,095,749 (14.4%) $1,556,964 (14.6%) 3.18 352
2020-08-01 $1,100,000 (14.5%) $1,656,468 (22.2%) 3.15 312
2020-09-01 $1,091,500 (14.4%) $1,607,763 (19.2%) 3.13 274
2020-10-01 $1,075,000 (13.3%) $1,604,172 (19.3%) 3.08 271
2020-11-01 $1,042,222 (9.8%) $1,469,102 (7.8%) 3.05 255
2020-12-01 $972,919 (8.2%) $1,403,710 (0.8%) 2.89 217
2021-01-01 $950,000 (5.6%) $1,390,225 (0.4%) 2.84 167
2021-02-01 $944,500 (1.9%) $1,435,531 (1.6%) 2.75 149
2021-03-01 $1,074,750 (13.3%) $1,501,887 (8.8%) 3.05 159
2021-04-01 $1,134,250 (19.2%) $1,632,051 (20.2%) 3.07 185
2021-05-01 $1,200,000 (24.7%) $1,753,276 (25.3%) 3.19 207
2021-06-01 $1,235,000 (20.6%) $1,753,371 (14.3%) 3.25 216
2021-07-01 $1,200,000 (9.5%) $1,700,930 (9.3%) 3.17 235
2021-08-01 $1,174,500 (6.8%) $1,599,723 (-3.4%) 3.13 244
2021-09-01 $1,200,000 (9.9%) $1,643,528 (2.2%) 3.20 222
2021-10-01 $1,250,000 (16.3%) $1,722,360 (7.4%) 3.33 188
2021-11-01 $1,349,250 (29.5%) $1,764,830 (20.1%) 3.61 152
2021-12-01 $1,295,000 (33.1%) $1,691,547 (20.5%) 3.51 102
2022-01-01 $1,225,000 (29.0%) $1,624,704 (16.9%) 3.31 85
2022-02-01 $1,274,750 (35.0%) $1,626,249 (13.3%) 3.32 108
2022-03-01 $1,298,738 (20.8%) $1,672,798 (11.4%) 3.25 137
2022-04-01 $1,299,000 (14.5%) $1,703,795 (4.4%) 3.10 157
2022-05-01 $1,398,750 (16.6%) $1,772,698 (1.1%) 3.20 235
2022-06-01 $1,368,250 (10.8%) $1,765,917 (0.7%) 3.05 270
2022-07-01 $1,349,000 (12.4%) $1,728,453 (1.6%) 3.04 326
2022-08-01 $1,349,000 (14.9%) $1,697,038 (6.1%) 3.12 313
2022-09-01 $1,386,000 (15.5%) $1,738,811 (5.8%) 3.24 286
2022-10-01 $1,349,000 (7.9%) $1,723,678 (0.1%) 3.17 297
2022-11-01 $1,399,000 (3.7%) $1,777,598 (0.7%) 3.36 266
2022-12-01 $1,345,000 (3.9%) $1,715,599 (1.4%) 3.32 232
2023-01-01 $1,285,750 (5.0%) $1,643,300 (1.1%) 3.18 171
2023-02-01 $1,316,250 (3.3%) $1,659,280 (2.0%) 3.18 176
2023-03-01 $1,397,000 (7.6%) $1,790,272 (7.0%) 3.29 173
2023-04-01 $1,399,000 (7.7%) $1,856,567 (9.0%) 3.25 204
2023-05-01 $1,432,000 (2.4%) $1,810,164 (2.1%) 3.25 243
2023-06-01 $1,387,000 (1.4%) $1,748,746 (-1.0%) 3.12 280
2023-07-01 $1,375,000 (1.9%) $1,764,170 (2.1%) 3.13 297
2023-08-01 $1,298,000 (-3.8%) $1,717,326 (1.2%) 2.98 312
2023-09-01 $1,250,000 (-9.8%) $1,723,492 (-0.9%) 2.91 319
2023-10-01 $1,197,000 (-11.3%) $1,695,612 (-1.6%) 2.82 332
2023-11-01 $1,174,857 (-16.0%) $1,674,739 (-5.8%) 2.80 311
2023-12-01 $1,182,000 (-12.1%) $1,611,871 (-6.1%) 2.88 248
SANTA CRUZ - WATSONVILLE's median listing price for 2023-12-01 was $1,182,000, a difference of $-163,000 (-12.1%) versus the prior year and $7,143 versus the prior month.

SANTA CRUZ - WATSONVILLE's median listing price comes in at 288% of the national average.

SANTA CRUZ - WATSONVILLE's average listing price for 2023-12-01 was $1,611,871, a difference of $-103,728 (-6.1%) versus the prior year and $-62,868 versus the prior month.

For the 2023-12-01 period, SANTA CRUZ - WATSONVILLE had 248 MLS listings, a difference of -63 listings (-20%) versus the prior month and 16 listings (7%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - SANTA CRUZ - WATSONVILLE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 67 days 1,719 sqft
2018-02-01 36 days 1,608 sqft
2018-03-01 30 days 1,677 sqft
2018-04-01 34 days 1,702 sqft
2018-05-01 33 days 1,665 sqft
2018-06-01 39 days 1,696 sqft
2018-07-01 42 days 1,721 sqft
2018-08-01 44 days 1,655 sqft
2018-09-01 46 days 1,657 sqft
2018-10-01 52 days 1,652 sqft
2018-11-01 56 days 1,678 sqft
2018-12-01 67 days 1,617 sqft
2019-01-01 81 days 1,606 sqft
2019-02-01 66 days 1,662 sqft
2019-03-01 41 days 1,719 sqft
2019-04-01 33 days 1,766 sqft
2019-05-01 36 days 1,736 sqft
2019-06-01 46 days 1,747 sqft
2019-07-01 47 days 1,678 sqft
2019-08-01 53 days 1,670 sqft
2019-09-01 57 days 1,685 sqft
2019-10-01 61 days 1,691 sqft
2019-11-01 69 days 1,700 sqft
2019-12-01 95 days 1,630 sqft
2020-01-01 90 days 1,636 sqft
2020-02-01 39 days 1,611 sqft
2020-03-01 34 days 1,638 sqft
2020-04-01 47 days 1,675 sqft
2020-05-01 53 days 1,726 sqft
2020-06-01 44 days 1,746 sqft
2020-07-01 45 days 1,842 sqft
2020-08-01 48 days 1,843 sqft
2020-09-01 66 days 1,801 sqft
2020-10-01 62 days 1,798 sqft
2020-11-01 57 days 1,722 sqft
2020-12-01 59 days 1,617 sqft
2021-01-01 54 days 1,618 sqft
2021-02-01 35 days 1,538 sqft
2021-03-01 33 days 1,636 sqft
2021-04-01 27 days 1,654 sqft
2021-05-01 25 days 1,793 sqft
2021-06-01 31 days 1,801 sqft
2021-07-01 29 days 1,796 sqft
2021-08-01 31 days 1,672 sqft
2021-09-01 43 days 1,835 sqft
2021-10-01 50 days 1,852 sqft
2021-11-01 64 days 1,955 sqft
2021-12-01 76 days 1,844 sqft
2022-01-01 52 days 1,649 sqft
2022-02-01 17 days 1,604 sqft
2022-03-01 18 days 1,536 sqft
2022-04-01 24 days 1,600 sqft
2022-05-01 23 days 1,716 sqft
2022-06-01 28 days 1,724 sqft
2022-07-01 36 days 1,705 sqft
2022-08-01 41 days 1,701 sqft
2022-09-01 45 days 1,744 sqft
2022-10-01 44 days 1,705 sqft
2022-11-01 54 days 1,796 sqft
2022-12-01 66 days 1,725 sqft
2023-01-01 78 days 1,703 sqft
2023-02-01 61 days 1,691 sqft
2023-03-01 38 days 1,723 sqft
2023-04-01 36 days 1,786 sqft
2023-05-01 32 days 1,753 sqft
2023-06-01 32 days 1,754 sqft
2023-07-01 36 days 1,696 sqft
2023-08-01 40 days 1,587 sqft
2023-09-01 39 days 1,600 sqft
2023-10-01 43 days 1,531 sqft
2023-11-01 48 days 1,516 sqft
2023-12-01 60 days 1,438 sqft
SANTA CRUZ - WATSONVILLE's median listing age (time on market) for 2023-12-01 was 60 days. This is -9% shorter than the same period one year ago.

SANTA CRUZ - WATSONVILLE's median square footage for active listings during the 2023-12-01 period was 1,438 sqft. One year prior, the average listing was 1,725 sqft.

SANTA CRUZ-WATSONVILLE, CA Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
94060 Santa Cruz-Watsonville, CA $2,120 $2,640 $3,200 $4,120 $4,480
95001 Santa Cruz-Watsonville, CA $2,090 $2,390 $3,140 $4,000 $4,460
95003 Santa Cruz-Watsonville, CA $2,450 $2,800 $3,680 $4,690 $5,230
95005 Santa Cruz-Watsonville, CA $2,130 $2,440 $3,210 $4,090 $4,560
95006 Santa Cruz-Watsonville, CA $2,060 $2,360 $3,100 $3,950 $4,400
95007 Santa Cruz-Watsonville, CA $2,100 $2,400 $3,160 $4,030 $4,490
95010 Santa Cruz-Watsonville, CA $2,180 $2,490 $3,280 $4,180 $4,660
95017 Santa Cruz-Watsonville, CA $1,800 $2,070 $2,720 $3,560 $3,980
95018 Santa Cruz-Watsonville, CA $2,040 $2,330 $3,070 $3,910 $4,360
95019 Santa Cruz-Watsonville, CA $1,800 $2,070 $2,720 $3,560 $3,980
95033 Santa Cruz-Watsonville, CA $2,210 $2,510 $3,180 $4,060 $4,570
95041 Santa Cruz-Watsonville, CA $2,040 $2,330 $3,070 $3,910 $4,360
95060 Santa Cruz-Watsonville, CA $2,410 $2,760 $3,630 $4,630 $5,160
95061 Santa Cruz-Watsonville, CA $2,090 $2,390 $3,140 $4,000 $4,460
95062 Santa Cruz-Watsonville, CA $2,100 $2,400 $3,160 $4,030 $4,490
95063 Santa Cruz-Watsonville, CA $2,090 $2,390 $3,140 $4,000 $4,460
95064 Santa Cruz-Watsonville, CA $2,130 $2,440 $3,210 $4,090 $4,560
95065 Santa Cruz-Watsonville, CA $2,640 $3,020 $3,980 $5,070 $5,650
95066 Santa Cruz-Watsonville, CA $2,500 $2,860 $3,760 $4,790 $5,340
95067 Santa Cruz-Watsonville, CA $2,090 $2,390 $3,140 $4,000 $4,460
95073 Santa Cruz-Watsonville, CA $2,150 $2,460 $3,240 $4,130 $4,600
95076 Santa Cruz-Watsonville, CA $2,010 $2,310 $2,750 $3,590 $4,140
95077 Santa Cruz-Watsonville, CA $2,090 $2,390 $3,140 $4,000 $4,460

2022 Average & Median Rent Data Statistics
SANTA CRUZ-WATSONVILLE, CA average 1BR rent: $2,463, median: $2,400
SANTA CRUZ-WATSONVILLE, CA average 2BR rent: $3,210, median: $3,160
SANTA CRUZ-WATSONVILLE, CA average 3BR rent: $4,104, median: $4,030

SANTA CRUZ-WATSONVILLE, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,601 $1,391,065,000 $868,873
Cash Out Refi 1,077 $630,965,000 $585,854
Refi 876 $503,630,000 $574,920
Home Improvement 783 $160,995,000 $205,613
Other 365 $159,115,000 $435,932

Santa Cruz - Watsonville's most frequently cited loan purpose was Home Purchase, with 1,601 originations. The 2nd most popular reason was Cash Out Refi, with 1,077 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,294 $938,090,000 $724,954
4-5% 951 $628,865,000 $661,267
5-6% 763 $435,585,000 $570,885
2.5-3% 702 $366,520,000 $522,108
6-7% 392 $203,010,000 $517,883
<2.5% 288 $142,360,000 $494,306
7-8% 169 $75,995,000 $449,675
Over 8% 114 $43,520,000 $381,754

During 2022, Santa Cruz - Watsonville's most frequently originated rate bucket was 3-4%, with 1,294 originations.

Loan Sizing (SANTA CRUZ-WATSONVILLE, CA MSA)

Loan Size Originations Total Value Average Loan
$600k-1000k 1,266 $981,360,000 $775,166
$200k-400k 1,023 $293,455,000 $286,857
$400k-600k 930 $459,510,000 $494,097
$Over $1MM 639 $1,017,025,000 $1,591,588
$100k-200k 562 $77,080,000 $137,153
$100,000 or less 282 $17,340,000 $61,489

SANTA CRUZ - WATSONVILLE's loan sizing saw the bucket of loans from $600k-1000k with 1,266 originations, totaling $981,360,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
Under 20% 1,102 $183,370,000 $166,397
60-80% 1,080 $1,052,840,000 $974,852
40-60% 969 $653,265,000 $674,164
20-40% 914 $385,190,000 $421,433
80-100% 595 $548,105,000 $921,185
Over 100% 7 $6,795,000 $970,714

SANTA CRUZ - WATSONVILLE's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 1,102 originations, totaling $183,370,000 in origination value.